Take out car insurance without a credit check

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In recent years, more and more motor insurance companies have started to carry out credit checks on their customers. Under certain circumstances, this can mean that it is not so easy for you to take out liability insurance for your vehicle. But don't let that discourage you. There are also car insurers who do not check your financial situation first.

Take out car insurance without a credit check.
Take out car insurance without a credit check. © REK / Pixelio

If you already have a negative Schufa entry, it may be difficult for you to get one Car insurance shoot down. In the meantime, various car insurers carry out a credit check before concluding a contract. But it can also be done without such a check.

Take out car insurance without Schufa information

  • If you already have other insurances, such as household items, private insurance with an insurance company Liability or the like, it shouldn't be a problem to take out car insurance with the company. In this case, the company does not carry out a credit check.
  • However, if you choose another company with whom you would like to insure your car, it may well happen that this company would first like to have Schufa information.
  • In that case, you should simply try another company. There are now so many car insurers out there that you can be sure to find one that does not carry out a closer look at your financial situation.

A credit check cannot always be avoided

  • The insurance companies also carry out internal credit checks. All insured persons who do not take the payment of premiums so seriously and have therefore been terminated are recorded in a central database.
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  • So if your insurance cover has been canceled at any time, you will have great difficulty getting car insurance again.
  • In such a case, however, you can agree with the company that you pay the premium for one year in advance. That would then be possible without any risk to the company.

Finally, a little note. If you have a negative Schufa entry or have been canceled by your car insurer in the past, you can try a local insurance agent. He will surely help you.

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